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Sub-clients

Generate Virtual Account Numbers for your clients for collection

The sub-client (aka merchant) feature allows you to create client accounts for deposit collection purposes. They can be issued for individuals as well as companies or other organisations.

Note: This feature is OFF by default. Contact us if you want it.

Each sub-client will receive a dedicated BSB and account number that you or your clients can use to accept domestic AUD transfers within Australia. The account name is your sub-client's name. For companies - it's their tradingAsName or legalName. For individuals - it's their fullName (firstName + middleName + lastName).

Warning: The account number can only process local transfers, no SWIFT/RTGS.

All deposits sent to your sub-client Virtual Account Number (VAN) are booked on your (master-client's) account balance. Sub-clients can't have their own balances.

Notifications via webhooks will provide important sub-client information as well.

Creating a sub-client

This action creates a real account number. If you ever submit fake, unreal, testing, or incorrect data - you will be immediately blocked from Flash Payments services.

Please add all possible precautions, processes, staff training, warning messages, and validation checks to you system(s) before creating a sub-client.

Please follow our latest requirements for the proper sub-client data submission:

  1. Provide properfirstNameandlastName

  2. Provide propermobilenumber

  3. Provide proper dob: the person must be under 65 years of age

  4. Provide proper residential address including unit and street number. The sub-client address should correspond to your approved use case from the contract. By default you're only allowed to have local Australian sub-accounts. Any non-Australian entities should be pre-approved based on their location and industry relevance for Flash Payments.

  5. Provide properidDoc (type, docNumber and issuer)based on the sub-client contact person address. For Australian residents either driver’s license or passport are accepted. For non-Australian residents only passport is accepted as a document type. Also, this should be a foreign passport ID, not local.

  6. Sometimes we ask our partners to provide “instructing institution” information, but only in case you are creating this VAN on behalf of another financial institution. More about institutions here. You may provide the ID of the already created institution via the field instructingInstitutionId or as a full object via the instructingInstitution field.

There are two types of sub-clients: company and individual.

For every company registered as a sub-client there must be one contact person individual data submitted. Ideally the contact person should be a company director or have similar role. Therefore, if you are creating a sub-client of the company type, we require you to provide extra details:

  • legalName - company legal name

  • businessNumber - company business number (e.g ABN in Australia)

If the above fields are not set, the sub-client will be created as individual type.

Note: The above personal data submission requirements should be as equally followed for the company contact person with an exception of address property, which can be a company address in this case.

You can find the description of each field in the GraphQL API schema.

mutation {
  createSubClient(
    input: {
      legalName: "Chineese Tradings"
      businessNumber: "330782000329701"
      firstName: "John"
      lastName: "Smith"
      email: "john.smith@example.com"
      mobile: "+61422832849"
      dob: "1979-05-12"
      address: {
        building: "25"
        street: "Xihu Road, Yuexiu District"
        suburb: "Guangzhou City"
        state: "Guangdong Province"
        postcode: "510030"
        country: CN
      }
      idDoc: {
        type: passport
        docNumber: "FF1948394"
        issuer: "AU"
      }
      externalId: "991188227733"
    }
  ) {
    success
    code
    message
    subClient {
      id
      legalName
      businessNumber
      fullName
      clientType
      status
      primaryContact {
        firstName
        lastName
        email
        mobile
        dob
      }
      address {
        country
      }
      bsb
      accountNo
      externalId
      # more properties available, see API schema
    }
  }
}

You can also disable and activate sub-clients. Deposits sent to a disabled sub-client will no longer be booked against your balance.

Disabling a sub-client

mutation {
  disableSubClient(id: "606128f24bf29139b2cf74ef") {
    success
    code
    message
    subClient {
      id
      status
    }
  }
}

Activating a sub-client

mutation {
  activateSubClient(id: "606128f24bf29139b2cf74ef") {
    success
    code
    message
    subClient {
      id
      status
    }
  }
}

Available queries

Query for a single sub-client

{
  subClient(id: "606d28675a2d931bc925fec2") {
    id
    fullName
    legalName
    tradingAsName
    clientType
    status
    primaryContact {
      firstName
      middleName
      lastName
      email
      dob
      mobile
    }
    address {
      building
      street
      suburb
      state
      country
      postcode
    }
    postalAddress {
      building
      street
      suburb
      state
      country
      postcode
    }
    businessNumber
    bsb
    accountNo
  	externalId
    fundingAccounts(input: { currencies: [EUR, USD, HKD, CNY] }) {
      iban
      accountNo
      bic
      currency
      externalReference
    }
  }
}

Query for multiple sub-clients

{
  subClients {
    id
    fullName
    legalName
    clientType
    status
    businessNumber
    bsb
    accountNo
  	externalId
    # any other set of properties
  }
}

Query for multiple sub-clients with filters

{
  # more filters available, see SubClientQueryInput in API schema
  subClients(
    input: {
      clientType: INDIVIDUAL
      status: ACTIVE
      firstName: "John"
      lastName: "Smith"
      address: { country: AU }
    }
  ) {
    id
    fullName
    clientType
    status
    primaryContact {
      firstName
      lastName
    }
    address {
      country
    }
  }
}

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